How to calculate the down payment for buying a house now?

The first set of housing down payment algorithm stipulates. As long as it is the first home, the down payment cannot be less than 30% of the house price. If commercial loans are used, it is necessary to examine the income and repayment ability of households to see how much money they can borrow. Then the total house price MINUS the loan amount will require a down payment.

All the above are the calculation methods of the first suite. When buying a second house, the down payment ratio of the loan is not less than 50%, which will be higher than the down payment ratio.

If you buy a second-hand house, you need to negotiate the down payment with the landlord, as long as it is not lower than the down payment ratio (≥30%).

Some real estate developers, in order to attract the public to buy a house, will introduce down payment concessions. In fact, this is also a means of commercial promotion, which can delay the down payment pressure of buyers, but the repayment amount is relatively large, so it is still necessary to comprehensively determine before deciding to buy a house in this way.

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